1.What are the characteristics of a mortgage that affect the interest rates and

1.What are the characteristics of a mortgage that affect the interest rates and the characteristics that affect the loan terms?2.What happens when a countrys currency rises in value compared to other currencies of other countries? Is this a good or bad event? And why should consumers be concerned?Your response should be at least 200 words in length for both question. You are required to use at least your textbook as source material for your response. All sources used including the textbook must be referenced; paraphrased and quoted material must have accompanying citations.